3.Impact of inappropriate Shield Plan for Private Hospital care

(Double Click on the bill image to get full details of the bill)

I have a client who have an Enhanced Incomeshield Plan Basic but went for a hysterectomy operation at Gleneagles.

Without Plus Rider, the Deductible and Co-insurance will impact on such bill.

My intention to write about this is to let you know that if you did not take the right plan for the right medical care, the bill to be settled can be disappointing.

Whole operation and stay in hospital in Gleneages cost $5001.64

Pro-ration for staying in Private Hospital for Plan Basic is 50%, meaning all items will be computed as 50% of bill.

So the bill is taken as $2500.82.

Plan B Deductible = $2000

Balance = $500.82, 10% co-insurance for this = $50.08

This Incomeshield pays $450.74 for this claim.

If Policyholder has the Incomeshield Plus Rider, the claim will be $2500.82

I would encourage most to take the Incomeshield Plus Rider to make the plan cover the Deductible and Co-insurance if one has no other coverage.

In this case, she has another H&S plan which will pay the bill.

For such private hospital care, it is best to have Plan Prefered with Plus Rider in place to make it a fully paid plan. If this is in placed, the full $5001.64 will be fully paid plus pre & post hospital bills.